My husband and I were lucky enough to be in a position to buy our first home in 2020. We were even…read moreluckier to have been referred to Risse for securing our mortgage by our realtor. Having been renters our whole adult lives, we were a bit daunted by the whole home buying experience. Risse was incredibly friendly, patient and helpful throughout the whole process (which lasts for weeks and sometimes longer). I can't say enough about how Risse made time for us to explain things, ask questions and get more clarity on what we needed and what steps were next. She is a true professional in every sense-organized, kind and focused on people (over profit). Please do yourself the biggest favor and talk to Risse if you're considering buying a home and want to get the proper support to go through the nerve wracking experience with someone who will take care of you throughout the whole journey!

I worked with Doug when I bought my first house a few years ago and he was exceptionally helpful,…read moresmart, and thorough. He made an intimidating first homebuyer experience accessible, understandable and relatively painless. I just recently bought a new house and had Risse's help this time. She went above and beyond many times during the process and was constantly available even when I had the silliest questions. She's friendly, extremely intelligent, detail oriented to a T, and knows the market. This home purchase was far more complex and I felt like she had my back and was out there in the weeds with me the whole time. I could count on her for whatever I needed at any given moment, and she was always 100% on point. I highly recommend working with either of these mortgage brokers. I certainly will again if I ever need them!

Working with Evan was amazing! My husband and I are first time homebuyers so we had no idea what we…read morewere doing, but Evan was so patient to answer our questions and walk us through the process. We hit what we thought would be major hiccups in our underwriting/application process, but Evan worked hard to work some magic to resolve everything. One big thing we really appreciated about Evan is that he was always responsive and quick to get back to us when we contacted him. It really gave us a lot of peace of mind that when we needed him, he would be there for us. 5 stars for customer service as Evan went above and beyond advocating on our behalf. We are now very happy homeowners! Thank you Evan!!

Super happy I requested information. I had a meeting via phone with Ken Perigo. We were looking…read moreinto refinancing. We are Dave Ramsey fans and follow his plan. Ken was amazing. Extremely informative and broke everything down for me. I loved that during and after the call I felt I had and was learning so much. He understood and was compassionate. Overall extremely happy. Didn't go through with the refinance because we are selling next year and it wouldn't be worth it for us. We wouldn't be breaking even before selling.

We worked with Mike for our most recent home search/purchase process and we are so glad we did!…read moreMortgage logistics can be a huge source of stress, but with Mike it was smooth sailing. He was with us each step of the way, providing loan scenarios for potential homes and then expertly shepherding an expedited closing once we pulled the trigger. We deeply appreciated his proactive communication, constant availability, and thorough guidance. 100% recommended!! Thanks for everything, Mike!

Mike is such a pleasure to work with. I highly recommend him to anyone needing mortgage or…read morerefinancing services. He is so knowledgeable, and and hard working, and makes the process extremely easy. He has the best rates in town, and always answers his phone! Can't beat it! Thanks Mike!!

Eric has done probably 10+ loans for me. Always the lowest rates and fees by far, and he always…read moretakes care of the people I refer to him.

So I been working Mike DePinna for while now and he has been great. Helping me understand the…read morelanguage of a mortgage and what steps I need to take to secure the best rate for me. He is extremely patient and dependable. He follows up with you and makes sure things are clear for you so you feel like you are making a good decision. Whether you are a seasoned homebuyer or a first time homebuyer Mike is your guy to get your financing together.

The consultation support we received regarding our financing options from JJ and Christine was…read moregenerous, thorough, and very professional. We were very pleasantly surprised from our first introduction to JJ and team at how prompt and effective their communication was. This process is one that from our experience can feel daunting and overwhelming very quickly, but thanks to JJ and the Two Rivers Mortgage team we feel confident and informed about our options and next steps.

Nikole Potulsky is an absolute dream to work with. She is prompt in her communication, breaks…read morethings down in a way that I am never struggling to keep up, and I can tell she truly cares about me on a human level. I have been navigating some difficult life circumstances and she has never hesitated to make time for me. She knows her business inside and out and still I NEVER felt like she was treating me like a sale pitch. I've had a quite a few experiences with loan officers and she is a GEM. She's not just great at what she does, she's also real - and that's (sadly) hard to find.

I am extremely grateful to George, Julianna and Nolan for helping me to complete an amazing home…read morepurchase. George started me off with good advice. Then when there were a good handful of unexpected bumps in the road in this process, George kept up his optimism and problem-solving. I was ready to give up but he was not fazed -- he really put in so much effort, 7 days a week, always being responsive when new issues kept popping up. He made extra phone calls to keep the buyers' agent in the loop so they didn't lose patience. He sought out trades people for a quick repair. He absolutely hounded the underwriters to keep things moving forward. He's a calm and effective communicator -- taking time to give clear explanations to what is going on. I would absolutely work with him and his team again, and I would absolutely share his contact info to any friends looking for this help!

Many mortgage firms promise a great customer experience. I can say for a fact that Guardian…read moreResidential delivers on this promise. George and his team are top-notch in terms of performance, response time, and customer service. We had a particularly challenging transaction and I can say with confidence that it would not have gone through without the hard work of George and Co. Buying a home is often a once-in-a-lifetime experience. This was our first home purchase and experience with Guardian Residential, but I cannot stress enough the fact that working with George and Racheal turned a difficult transaction into an adventure. If we ever look into buying another home, it will be through them.

*Not recommended.* I spoke with a loan officer who specializes in construction loans, and the…read moreexperience was deeply unprofessional. He spoke at an overwhelming pace, used inappropriate language throughout the conversation (including repeatedly saying "f*** it" in a dismissive tone), and responded to my clarifying questions with condescension--asking "don't you remember?" rather than actually helping. I had a similarly negative interaction with another representative from this company about a year ago. It might be a coincidence, but based on my experience, it feels like dismissiveness and hostility toward potential clients is a feature--not a bug--of their customer service culture. I won't engage with a business that treats people this way.

I am beyond grateful to Ashley Donkin for her unwavering assistance in helping me buy my first…read morehome. As this was my first time going through this process, I wasn't sure what to expect, but I had heard such horror stories and warnings from other homeowners in my life when it came to greedy mortgage companies and ineffectual mortgage loan officers. My time with both Evergreen and Ashley couldn't have been further from that. Ashley very patiently explained every little thing to me (often more than once), was available via multiple modes of contact (many times late at night via text), and, I firmly believe, had my best interest at heart. I had contacted other home loan institutions prior to receiving the recommendation to try Ashley at Evergreen from my realtor, Jason Wasinger, and my experience with everyone else was less than satisfactory. Upon being put in contact with Ashley, I immediately knew that I had found the loan officer I wanted to work with--she was so kind, caring, understanding of my situation, and willing to work with whatever I threw at her. She remained an almost daily point of contact during my home hunt--she didn't disappear when there were no new updates, or lose faith in my home buying process. She was willing to work with my technology-illiterate parents when it came to receiving certain documents from them, and did so very graciously and patiently. Ashley listened to my needs and requests and did everything she could to make my dream of buying a home a reality, and for that, I am eternally grateful. To make matters more complicated, we started working together during the initial concerns of the COVID-19 outbreak, when the world seemed full of uncertainty. I can say, with absolute seriousness, that having Ashley on my team during this stressful time helped keep me grounded. Buying a home is considered one of the top ten most stress-inducing life events (as I'm sure you are aware), and doing so during a pandemic doesn't make that any easier. But with Ashley, I knew I was in good hands, and that I had nothing to worry about on the finance front and could focus on taking care of my family and friends. I really can't say enough good things about my experience with both Ashley and Evergreen. I have already been singing her praises, and will continue to do so to anyone who will listen to me. I feel truly lucky that I had her on my side during this time. I am so thankful to both her and Evergreen for their support, and as a result, I am a customer for life.

Chuck Emmi and his team with Caliber made everything simple from day one. He worked around the…read moreclock to get us the best possible deal on our home loan, and was able to lock us in to an extremely low rate. He also worked very hard to make sure all of our paperwork went through, as we had an issue with some of our paperwork not showing the exact figures that the underwriter was wanting to see and he convinced them to accept what we had available. I look forward to working with Chuck again in a few years to refinance our first home!

Definitely will not be recommending. Had to refinance to remove my ex from the mortgage. Started in…read moreFebruary. Was told should not need a co-signer. Finally went to underwriting in May. Kept being told week after week something else they needed. Why not just tell me everything at once. THEN was told in June if I wanted o get money out of equity, I would need a cosigner. THEN the following week was told I definitely need a co-signer, no way around it. Had to have a re-inspection for the appraisal and got a notice I needed to pay an additional $150 for this. Caliber said THEY were paying it so to ignore the email. Next set of disclosures I get, the $150 is added on to my closing cost. When asked about it, supposedly Caliber paid 3K to get me a lower rate in exchange for the re-inspection fee. Everything is finally in underwriting. I'm told I should know by the end of the day when it will close or if there is anything else needed. Come the end of the day, I'm told should know in the morning. Come the next day, still nothing. I'm told UW gives 24 hour window to respond. It's now been over 48 hours and I'm still waiting. One thing I was also told, she, the loan officer, helped to rebuild my credit. Um, no. She just told me what underwriting told her, how much I have to get my credit card down to before they can start the process. Worst customer relations ever. T least with this loan officer. Never returned a phone call. Texts and emails sent multiple times, usually got a vague response, not answering specific questions, not informing me. Oh, I was told I would get X amount and my monthly payment would be Y. I get a disclosure which shows Z for the cash back and the same mortgage payment. When asked why, because the difference between X and Z would got to pay a debt. Um, that is not how I want that debt paid and why was this not brought up with me? Terrible communication from this person.